HMO practice in Region 1 of canton St. Gallen
14 of 25 insurers offer a HMO practice in Region 1 of canton St. Gallen. The lowest premium is CHF 479.70 a month for an adult, 300-franc deductible, accident cover included.
What this model earns
With free choice of doctor the region’s lowest premium is CHF 536.40. This HMO practice therefore saves CHF 680.40 a year, for identical statutory cover.
The ranking, cheapest to dearest
14 insurers offer this model in this region, with the trade name of their plan.
| Rank | Insurer | Plan name | Premium | |
|---|---|---|---|---|
| 1 | Vivao Sympany | casamed hmo | CHF 479.70 | View |
| 2 | SWICA | FAVORIT SANTE | CHF 484.40 | View |
| 3 | ÖKK | Gesundheitszentrum | CHF 485.80 | View |
| 4 | CONCORDIA | HMO | CHF 486.70 | View |
| 5 | KPT | KPTwin.plus | CHF 491.80 | View |
| 6 | Agrisano | AGRIeco | CHF 493.50 | View |
| 7 | Atupri | HMO | CHF 500.50 | View |
| 8 | Avenir | OptiMed | CHF 501.50 | View |
| 9 | Sanitas | MultiAccess | CHF 501.70 | View |
| 10 | sana24 | Managed Care | CHF 528.70 | View |
| 11 | Mutuel | OptiMed | CHF 530.60 | View |
| 12 | Galenos | Managed Care | CHF 535.90 | View |
| 13 | Visana | Managed Care | CHF 541.30 | View |
| 14 | Philos | OptiMed | CHF 569.40 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.